Relief that reaches you
Many long-term care insurance benefits go unused – simply because nobody knows about them. I show you what you are entitled to and help you claim it, so that rest and financial relief get to where they are needed.
The relief allowance (§ 45b)
At every care level (Pflegegrad), €131 of relief allowance (Entlastungsbetrag) is available each month – for care support, household help or services that help in everyday life. Amounts that are not used can be saved up within certain time limits. I explain what you may use it for and how billing works.
Respite care (Verhinderungspflege, § 39)
If the person providing care is unavailable for a while – because of a holiday, illness or simply to catch their breath – respite care pays for replacement care. For care levels 2 to 5, a shared annual amount of up to €3,539 for respite and short-term care has been available since July 2025 – which you can use flexibly.
Short-term care (§ 42) & care aids (§ 40)
- Short-term care: temporary full-time residential care, for example after a hospital stay
- Consumable care aids: up to €42 a month for gloves, disinfectant, bed protectors & more
- Home adaptation measures: a grant of up to €4,180 per measure for modifications such as grab rails or a barrier-free shower
So that nothing is lost
I give you an overview of all the available budgets, sort out your entitlements and help you claim them. That way you get the most out of your long-term care insurance – without the paperwork stress.
Relief that reaches you – your questions
Unused amounts do not expire immediately – they can be saved up within certain time limits and used later. I help you keep track.
Yes, under certain conditions the benefits can be combined. Together we look at what helps you most in your situation.
That can be home care services, but also people close to you. Different rules apply depending on who it is – I explain your options.
The first step can be easy.
Tell me what is on your mind right now. In the free initial consultation, we will find out together how I can support you. I offer consultations in German, English and Turkish.
Cologne and Bonn